LONG TERM PLANNING SERVICESfromCPFCU and CPFS, Inc.Cedar Point Financial Services, Inc.A wholly owned subsidiary of Cedar Point Federal Credit Union

Cedar Point Financial Services, Inc. provides a wide array of financial and insurance services primarily to Cedar Point Federal Credit Union members and potential members including the promotion of education towards personal financial responsibility.

We are a financial services firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to reach them by our providing sound financial information.

Please call us if you have any questions about our firm or the range of financial products and services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we may know a group that does.

Points of Interest

The representatives at CPFS, Inc., are also Member Service Representatives of Cedar Point Federal Credit Union. We promise to provide the same personalized care you have come to expect from your credit union. And you don't have to be a member to take advantage of the services offered by Cedar Point Financial Services, Inc.

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Cedar Point Finacial Services offers Fiscal Fitness Seminars, which are free and open to the public. All seminars are conducted at our Headquarters Office,and are led by Colleen Blundell of CPFS, Inc. unless otherwise stated.

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Welcome to our tax library! We've put together a collection of resources to help you manage your taxes as well as prepare for the upcoming tax season. Simply click on one of the topics and you'll find a selection of tools and information related to taxes and tax strategies.

Financial planning today is a crucial, but often a complex and confusing process. That’s why many of our clients rely on their representative to guide them through it. Professional expertise and experience, backed by a wide array of products and easy-to-understand consumer materials, can give you solid financial options for both your immediate and future needs.

But, as you well know, life — and its needs — can change. To accommodate that change, our representatives are available to help you revisit and revise the financial decisions you make.

Customer satisfaction is our highest priority. That’s why our producers are there for you before, during and well after the sale.

Insurance products are not deposits, obligations of, or guaranteed by Cedar Point Federal Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States, Cedar Point Federal Credit Union, or Cedar Point Financial Services, Inc.

Please request a product brochure from a Cedar Point Financial Professional for further information regarding the products discussed.

This information should not be construed as tax advice applicable to each individual. Please consult a qualified tax advisor regarding your individual circumstances.

Investors should carefully consider the fund's objectives, risk, charges, and expenses before investing. Please refer to the prospectus, as it contains this and other pertinent information, carefully before investing.

All guarantees are based upon the claims-paying ability of the issuer. Annutiies and life insurance policies offered by Cedar Point are primarily provided by The Penn Mutual Life Insurance Company and The Penn Insurance & Annuity Company, a wholly owned subsidiary of Penn Mutual. Products and features may not be available in all states.

75% of business failures follow the unexpected death of the founder.

Source: Prince and Associates. Analysis of 749 family businessesthat failed within 3 years of transfer to next generation.

Ensure your business continues without you

What would happen to your business if you weren't there to run it due to your death, disability or retirement? The business you've worked so hard to build could be threatened. But with proper business continuation planning, you can help ensure that your business will go through an orderly succession when you are gone.

Reward your key employees with Selective Employee Benefits

While your business owes much of its success to your vision and efforts, it may have also grown because of the talent and dedication of your key employees. Especially in today's competitive marketplace, it is important to attract and reward key employees. One of the best ways to do that is by offering them Selective Employee Benefits.

Click hereto have a Cedar Point Financial Professional help you with your planning process.

Recruiting, retaining and rewarding your key employees can be one of the toughest jobs you'll ever face as a business owner, especially in today's highly competitive marketplace. One of the best things you can do for those employees, and for yourself, is to offer selective employee benefit plans.

Traditional qualified plans can place limits on earnings, contributions and benefits, resulting in an "income gap" for highly compensated employees. Plus, there's no cost recovery for your company's out-of-pocket costs for the plans. And there is most likely no "golden handcuffs" in them to help you retain key employees.

Selective Employee Benefit Plan options

There are a variety of plan options that, depending upon how your company is structured and your retirement income objectives, allow you to provide enhanced, tax-favored benefits to yourself and select key employees.

401(k) Overlay Plans

Supplemental Employee Retirement Plans (SERPs)

Deferred Compensation Plans

Restricted Bonus Plans or Executive Bonus Plans

Split Dollar Plans

Retirement Planning

Click here to have a Cedar Point Financial Professional help you develop a Selective Employee Benefits Plan based on your objectives and situation. Make your financial representative a valuable member of your business planning team.

This information is provided at the request of the Social Security Administration as a service to our members. Please contact your local Social Security office with any questions about content or resources. Cedar Point is not responsible for the content or update of these alternate sites. The privacy and security policies may differ from those practiced by Cedar Point.

The Social Security Administration encourages everyone to set up a my Social Security account. This account will give you access to the information you need to make smart decisions about your benefits.

Cedar Point Financial Services, Inc. offers the following links as a service to our members. Cedar Point uses a professional version of the Federal Employee Benefit Calculator and can provide a detailed analysis of all your benefits. This will allow you to utilize professional planning services to make educated choices regarding your benefit options. All this is provided at no cost to our members!

Cedar Point is not responsible for the content or update of these alternate sites. The privacy and security policies may differ from those practiced by Cedar Point.